Loans Receivable And Allowance For Credit Losses (Tables)

6 Months Ended

Mar. 31, 2014

Loans Receivable And Allowance For Credit Losses [Abstract]

Summary Of Loans Receivable

	March 31, 2014		September 30, 2013
		(Dollars in thousands)
Real estate loans:
One- to four-family	$	5,840,337	$	5,743,047
Multi-family and commercial		47,505		50,358
Construction		94,286		77,743
Total real estate loans		5,982,128		5,871,148
Consumer loans:
Home equity		130,321		135,028
Other		4,991		5,623
Total consumer loans		135,312		140,651
Total loans receivable		6,117,440		6,011,799
Less:
Undisbursed loan funds		55,505		42,807
ACL		8,967		8,822
Discounts/unearned loan fees		23,653		23,057
Premiums/deferred costs		(24,582)		(21,755)
	$	6,053,897	$	5,958,868

Recorded Investment in Loans, Past Due

	March 31, 2014
			90 or More Days		Total				Total
	30 to 89 Days		Delinquent or		Delinquent		Current		Recorded
	Delinquent		in Foreclosure		Loans		Loans		Investment
		(Dollars in thousands)
One- to four-family loans - originated	$	14,111	$	9,921	$	24,032	$	5,238,614	$	5,262,646
One- to four-family loans - purchased		7,361		10,389		17,750		590,920		608,670
Multi-family and commercial loans		--		--		--		56,236		56,236
Consumer - home equity		665		305		970		129,351		130,321
Consumer - other		52		8		60		4,931		4,991
	$	22,189	$	20,623	$	42,812	$	6,020,052	$	6,062,864

	September 30, 2013
			90 or More Days		Total				Total
	30 to 89 Days		Delinquent or		Delinquent		Current		Recorded
	Delinquent		in Foreclosure		Loans		Loans		Investment
		(Dollars in thousands)
One- to four-family loans - originated	$	18,889	$	9,379	$	28,268	$	5,092,581	$	5,120,849
One- to four-family loans - purchased		7,842		9,695		17,537		631,050		648,587
Multi-family and commercial loans		--		--		--		57,603		57,603
Consumer - home equity		848		485		1,333		133,695		135,028
Consumer - other		35		5		40		5,583		5,623
	$	27,614	$	19,564	$	47,178	$	5,920,512	$	5,967,690

Recorded Investment in Classified Loans

	March 31, 2014				September 30, 2013
	Special Mention		Substandard		Special Mention		Substandard
	(Dollars in thousands)
One- to four-family - originated	$	21,572	$	28,892	$	29,359	$	27,761
One- to four-family - purchased		1,982		14,441		1,871		14,195
Multi-family and commercial		--		--		1,976		--
Consumer - home equity		126		882		87		819
Consumer - other		--		16		--		13
	$	23,680	$	44,231	$	33,293	$	42,788

Weighted Average Loan-to-Value and Credit Score Information

	March 31, 2014			September 30, 2013
	Credit Score	LTV		Credit Score	LTV
One- to four-family - originated	764	65	%	762	65	%
One- to four-family - purchased	748	67		747	67
Consumer - home equity	750	19		746	19
	762	64		760	64

Troubled Debt Restructurings On Financing Receivables

	For the Three Months Ended					For the Six Months Ended
	March 31, 2014					March 31, 2014
	Number	Pre-		Post-		Number	Pre-		Post-
	of	Restructured		Restructured		of	Restructured		Restructured
	Contracts	Outstanding		Outstanding		Contracts	Outstanding		Outstanding
	(Dollars in thousands)
One- to four-family loans - originated	31	$	4,247	$	4,220	69	$	8,072	$	8,073
One- to four-family loans - purchased	--		--		--	2		198		198
Multi-family and commercial loans	--		--		--	--		--		--
Consumer - home equity	1		15		15	5		80		81
Consumer - other	--		--		--	--		--		--
	32	$	4,262	$	4,235	76	$	8,350	$	8,352

	For the Three Months Ended					For the Six Months Ended
	March 31, 2013					March 31, 2013
	Number	Pre-		Post-		Number	Pre-		Post-
	of	Restructured		Restructured		of	Restructured		Restructured
	Contracts	Outstanding		Outstanding		Contracts	Outstanding		Outstanding
	(Dollars in thousands)
One- to four-family loans - originated	45	$	6,826	$	6,857	100	$	19,404	$	19,507
One- to four-family loans - purchased	5		983		982	7		1,538		1,580
Multi-family and commercial loans	--		--		--	2		82		79
Consumer - home equity	4		76		81	7		156		161
Consumer - other	--		--		--	--		--		--
	54	$	7,885	$	7,920	116	$	21,180	$	21,327

The following table provides information on TDRs restructured within the last 12 months that became delinquent during the periods presented.

	For the Three Months Ended						For the Six Months Ended
	March 31, 2014			March 31, 2013			March 31, 2014			March 31, 2013
	Number			Number			Number			Number
	of	Recorded		of	Recorded		of	Recorded		of	Recorded
	Contracts	Investment		Contracts	Investment		Contracts	Investment		Contracts	Investment
	(Dollars in thousands)
One- to four-family loans - originated	5	$	665	11	$	1,106	16	$	1,481	17	$	1,511
One- to four-family loans - purchased	--		--	3		1,067	2		338	4		1,114
Multi-family and commercial loans	--		--	--		--	--		--	--		--
Consumer - home equity	1		27	1		5	1		27	2		7
Consumer - other	--		--	--		--	--		--	--		--
	6	$	692	15	$	2,178	19	$	1,846	23	$	2,632

Impaired Loans By Class

		March 31, 2014						September 30, 2013
				Unpaid						Unpaid
		Recorded		Principal		Related		Recorded		Principal		Related
		Investment		Balance		ACL		Investment		Balance		ACL
		(Dollars in thousands)
With no related allowance recorded
	One- to four-family - originated	$	14,413	$	14,996	$	--	$	12,950	$	13,543	$	--
	One- to four-family - purchased		14,565		17,614		--		13,882		16,645		--
	Multi-family and commercial		--		--		--		--		--		--
	Consumer - home equity		596		956		--		577		980		--
	Consumer - other		8		16		--		2		7		--
			29,582		33,582		--		27,411		31,175		--
With an allowance recorded
	One- to four-family - originated		25,709		25,796		64		35,520		35,619		209
	One- to four-family - purchased		1,825		1,801		50		2,034		2,015		29
	Multi-family and commercial		--		--		--		73		74		2
	Consumer - home equity		526		526		27		492		492		78
	Consumer - other		8		8		--		11		11		1
			28,068		28,131		141		38,130		38,211		319
Total
	One- to four-family - originated		40,122		40,792		64		48,470		49,162		209
	One- to four-family - purchased		16,390		19,415		50		15,916		18,660		29
	Multi-family and commercial		--		--		--		73		74		2
	Consumer - home equity		1,122		1,482		27		1,069		1,472		78
	Consumer - other		16		24		--		13		18		1
		$	57,650	$	61,713	$	141	$	65,541	$	69,386	$	319

The following information pertains to impaired loans by class for the periods presented.

		For the Three Months Ended								For the Six Months Ended
		March 31, 2014				March 31, 2013				March 31, 2014				March 31, 2013
		Average		Interest		Average		Interest		Average		Interest		Average		Interest
		Recorded		Income		Recorded		Income		Recorded		Income		Recorded		Income
		Investment		Recognized		Investment		Recognized		Investment		Recognized		Investment		Recognized
		(Dollars in thousands)
With no related allowance recorded
	One- to four-family - originated	$	14,022	$	102	$	7,784	$	63	$	13,263	$	199	$	8,572	$	139
	One- to four-family - purchased		13,706		47		15,058		51		13,645		92		15,108		97
	Multi-family and commercial		--		--		--		--		--		--		--		--
	Consumer - home equity		611		8		474		15		577		16		596		22
	Consumer - other		5		--		29		--		4		--		28		--
			28,344		157		23,345		129		27,489		307		24,304		258
With an allowance recorded
	One- to four-family - originated		28,010		295		42,937		452		31,021		614		42,457		905
	One- to four-family - purchased		2,287		12		2,136		21		2,573		28		2,145		46
	Multi-family and commercial		--		--		78		--		31		1		44		--
	Consumer - home equity		542		6		605		9		581		11		507		14
	Consumer - other		11		--		26		--		13		--		28		--
			30,850		313		45,782		482		34,219		654		45,181		965
Total
	One- to four-family - originated		42,032		397		50,721		515		44,284		813		51,029		1,044
	One- to four-family - purchased		15,993		59		17,194		72		16,218		120		17,253		143
	Multi-family and commercial		--		--		78		--		31		1		44		--
	Consumer - home equity		1,153		14		1,079		24		1,158		27		1,103		36
	Consumer - other		16		--		55		--		17		--		56		--
		$	59,194	$	470	$	69,127	$	611	$	61,708	$	961	$	69,485	$	1,223

Allowance For Credit Losses

		For the Three Months Ended March 31, 2014
	One- to Four-		One- to Four-		One- to Four-		Multi-family
	Family -		Family -		Family -		and
	Originated		Purchased		Total		Commercial		Consumer		Total
	(Dollars in thousands)
Beginning balance	$	5,839	$	2,513	$	8,352	$	182	$	385	$	8,919
Charge-offs		(52)		(60)		(112)		--		(9)		(121)
Recoveries		--		--		--		--		9		9
Provision for credit losses		950		(636)		314		(39)		(115)		160
Ending balance	$	6,737	$	1,817	$	8,554	$	143	$	270	$	8,967

	For the Six Months Ended March 31, 2014
	One- to Four-		One- to Four-		One- to Four-		Multi-family
	Family -		Family -		Family -		and
	Originated		Purchased		Total		Commercial		Consumer		Total
	(Dollars in thousands)
Beginning balance	$	5,771	$	2,486	$	8,257	$	185	$	380	$	8,822
Charge-offs		(140)		(387)		(527)		--		(19)		(546)
Recoveries		1		--		1		--		15		16
Provision for credit losses		1,105		(282)		823		(42)		(106)		675
Ending balance	$	6,737	$	1,817	$	8,554	$	143	$	270	$	8,967

	For the Three Months Ended March 31, 2013
	One- to Four-		One- to Four-		One- to Four-		Multi-family
	Family -		Family -		Family -		and
	Originated		Purchased		Total		Commercial		Consumer		Total
		(Dollars in thousands)
Beginning balance	$	5,639	$	4,290	$	9,929	$	201	$	347	$	10,477
Charge-offs		(284)		(153)		(437)		--		(20)		(457)
Recoveries		--		42		42		--		10		52
Provision for credit losses		647		(684)		(37)		7		30		--
Ending balance	$	6,002	$	3,495	$	9,497	$	208	$	367	$	10,072

	For the Six Months Ended March 31, 2013
	One- to Four-		One- to Four-		One- to Four-		Multi-family
	Family -		Family -		Family -		and
	Originated		Purchased		Total		Commercial		Consumer		Total
		(Dollars in thousands)
Beginning balance	$	6,074	$	4,453	$	10,527	$	219	$	354	$	11,100
Charge-offs		(503)		(685)		(1,188)		--		(135)		(1,323)
Recoveries		--		42		42		--		20		62
Provision for credit losses		431		(315)		116		(11)		128		233
Ending balance	$	6,002	$	3,495	$	9,497	$	208	$	367	$	10,072

Summary Of Loan Portfolio Segment Disaggregated By The Company's Impairment Method

	March 31, 2014
	One- to Four-		One- to Four-		One- to Four-		Multi-family
	Family -		Family -		Family -		and
	Originated		Purchased		Total		Commercial		Consumer		Total
	(Dollars in thousands)
Recorded investment in loans
collectively evaluated for impairment	$	5,248,233	$	594,105	$	5,842,338	$	56,236	$	134,708	$	6,033,282
Recorded investment in loans
individually evaluated for impairment		14,413		14,565		28,978		--		604		29,582
	$	5,262,646	$	608,670	$	5,871,316	$	56,236	$	135,312	$	6,062,864
ACL for loans collectively evaluated
for impairment	$	6,737	$	1,817	$	8,554	$	143	$	270	$	8,967

		September 30, 2013
	One- to Four-		One- to Four-		One- to Four-		Multi-family
	Family -		Family -		Family -		and
	Originated		Purchased		Total		Commercial		Consumer		Total
	(Dollars in thousands)
Recorded investment in loans
collectively evaluated for impairment	$	5,107,899	$	634,705	$	5,742,604	$	57,603	$	140,072	$	5,940,279
Recorded investment in loans
individually evaluated for impairment		12,950		13,882		26,832		--		579		27,411
	$	5,120,849	$	648,587	$	5,769,436	$	57,603	$	140,651	$	5,967,690
ACL for loans collectively evaluated
for impairment	$	5,771	$	2,486	$	8,257	$	185	$	380	$	8,822